We have a charge on our Capital One/Discover card that I do not recognize - [moderator's note: PII removed]

Question

We have a charge on our Capital One/Discover card that I do not recognize - [moderator's note: PII removed]

Mary Holden 0

This charge is on my husband's account - [moderator's note: PII removed]. Description is "Microsoft*Microsoft 36 MSBILL.INFO WA"

I have no idea what this is and we never use [customer's husband]' account for this type of purchase. Can you find out what this is?

I can only find one subscription under my account - [moderator's note: PII removed]. And I believe this was paid for using my Discover card ending in [moderator's note: PII removed]. On 08/02 I was charged $106.74 and I believe that was for our subscription that covered all our computers. We only have 3 in our house. My computer is the only one that uses the Office apps like Excel and Word.

I hope you can help me out understanding all this.

[moderator's note: PII removed]

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2 answers

Your answer

Answer 1

For your privacy and security, I have covered the personal information included in your post. Please avoid sharing any personal or sensitive information publicly, such as serial numbers, order details, email addresses, phone numbers, or case-related information.

Hi Mary Holden,

I understand why seeing two different amounts associated with different names and card details would be concerning.

One important distinction is that the name on the credit card does not necessarily identify the Microsoft account where the purchase was made. A card belonging to your husband may have been saved previously in your Microsoft account or in another family member’s Microsoft account.

In addition to the investigation steps already provided, please check the Payment options and Order history of every personal Microsoft account that either of you has used. In particular, look for any account where your husband’s card is listed as a saved payment method. The $106.74 subscription shown under your account should be treated separately unless its order details specifically show that it is connected to the $138.76 charge.

The wording shown on the bank statement alone is not enough for forum members to identify the exact product or purchasing account. If none of your Microsoft accounts shows the $138.76 transaction, please use Microsoft’s official support page and provide the transaction details through the secure process. If neither of you authorized the charge, contact the card issuer promptly as well.

For your privacy, please do not post any additional card numbers, account numbers, email addresses, or telephone numbers in this public forum. Thank you so much for your understanding.

Note: Please follow the steps in our documentation to enable e-mail notifications if you want to receive the related email notification for this thread.

Answer 2

Use Manage your payments → Investigate while signed in to the Microsoft account associated with the charged card; neither a public forum nor its contributors can access the transaction and identify it directly.^1^

Investigate the $138.76 charge

Open Microsoft’s Manage your payments page: https://go.microsoft.com/fwlink/?linkid=2246882
Sign in with your husband’s personal Microsoft account first.
Select Investigate and enter the requested card and transaction information.
Check whether it identifies the Microsoft account or purchase associated with the card.

You already checked the subscription under your account, so the next new check is the complete order history, which includes apps, games, and other purchases—not only subscriptions:

Open https://account.microsoft.com/billing/orders.
Select Payment & billing → Order history.
Set the date range to include the charge date.
Look for a Completed or Redeemed transaction for $138.76.
Repeat this under your husband’s account and any other Microsoft accounts either of you has used. Microsoft notes that multiple accounts or another family member can explain a card charge that is missing from one account’s history.^2^

Do not assume the separate $106.74 transaction explains the $138.76 charge. Microsoft lists recurring subscriptions, family purchases, retried declined payments, split orders, pre-orders, and in-app purchases among possible explanations.^1^

If the charge is found

Open Order details to identify the product and payment method. If it is an unwanted subscription renewal, open Services & subscriptions, select the subscription, and review the available cancellation, recurring-billing, or refund options.

If the transaction appears in your account but neither of you authorized it, contact Microsoft Support:

Open https://go.microsoft.com/fwlink/?linkid=2258619.
Enter Unrecognized billing charge and select Get Help.
If it remains unresolved, select Contact Support and use the offered contact option.^1^

If the charge is not found

Contact the card issuer promptly, report the transaction as unauthorized, and ask it to:

Open a billing dispute.
Prevent additional charges.
Determine whether the card should be blocked and replaced.

Microsoft specifically advises telling the payment provider if the card information may be compromised; disputing only the existing charge does not prevent further fraudulent transactions.^1^

For privacy, remove the posted names, telephone number, email address, and card details from this public question. Responses cannot be sent privately by email or telephone from this forum.

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